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 Disability Insurance Terms and Definitions

 


Like any industry, the disability insurance industry has it's own unique terms. The definitions of these terms are general in nature, and may vary by company and/or state insurance regulations.

At Term Life America Insurance we wants you to understand these terms and definitions so you can make the best choice for your family or business. Therefore, below is a glossary of disability insurance terms and definitions.

A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z
 
A
Availability  
 
"Generally", individuals 25 to 50 years old employed in blue, gray, and white collar occupations earning from $15,000 to $50,000 annually. Small business (under 100 employees) owners, managers, and/or employees.

Automatic Benefit Increase Rider  Available in all Classes 
This rider provides for an annual increase equal to 5% of the original Base Policy Monthly Benefit amount on each anniversary of satisfying the elimination period. The lifetime cap on Monthly Benefit amounts is two times the original base policy Monthly Benefit.  If the Insured recovers from Total Disability and there was a Monthly Benefit increase under this rider, the Insured can increase the base policy Monthly Benefit to the amount of the last Monthly Benefit payment.  To obtain the increase, the Insured must: .be under age 60, .apply within 90 days of the end of Total Disability, and .have a full-time job.  A new premium for the increase will be charged, based on our then current rates and the Insured’s attained age. The new premium must be paid within 31 days of the increase.

AVIATION/AVOCATIONS
Persons involved in aviation, auto racing, hang gliding, sky diving, skin/scuba diving, or similar activities on an amateur basis can be considered for coverage in most cases. Usually, a policy amendment rider (waiver) will be attached to the Policy if the application is approved.

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B
Benefit Periods 
"Generally",
Class 4A-
  1, 2, 5-year and To Age 65
Class 3A
-  1, 2, 5-year and To Age 65
Class 2A
-  1, 2, 5-year and To Age 65

If Self Employed:
Under age 56, and working in, and owning, the same business for the last 2 years, with an annual net income of at least $40,000 for each of the last two years.  W-2 Employee: Under age 56 with an annual income of at least $40,000 for each of the last two years. Class 1A — 1, 2, 5-year.

BUSINESS IN THE HOME
Generally, persons who work at a business in their home are not eligible for disability income coverage, unless at least 50% of the job duties are performed away from the home.

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C
Catastrophic Disability Rider 
"Generally", available in all Classes to Standard and Substandard. 
Issue Ages 18-55 for 1-, 2-, and 5-year Benefit Periods; 56-60 for 1- and 2-year Benefit Periods.  Generally not available with 30 day elimination periods. This rider will provide a Disability Benefit if • the Insured’s Total Disability continues beyond the Maximum Benefit Period of the Policy, and • the Insured requires assistance or supervision with at least two of six Activities of Daily Living (bathing, toileting, transferring, continence, eating, dressing), OR • is Cognitively Impaired, and • is not engaged in any job for wage or profit, and • a Physician has certified the Catastrophic Disability with a plan of treatment.  The rider extends the total Benefit Period payable under the base policy to a total of 5 or 10 years. Allowable combinations of base policy Benefit Periods and Catastrophic Disability Benefit Periods are: 1 year base Policy Benefit Period – 4 year CDR Benefit Period 1 year base Policy Benefit Period – 9 year CDR Benefit Period 2 year base Policy Benefit Period – 3 year CDR Benefit Period 2 year base Policy Benefit Period – 8 year CDR Benefit Period 5 year base Policy Benefit Period – 5 year CDR Benefit Period


CHANGES IN COVERAGE

Increasing Coverage  "Generally", To increase the amount of the base policy benefit or the SDIR benefit, to increase the Benefit Period or to decrease the Elimination Period, a new application for coverage is required. There are two general methods for increasing an in-force disability Policy: 1. Complete an application for the amount of the increase in Monthly Disability Benefits and make arrangements for any needed medical requirements. When the application is approved, the new Policy will be issued for the amount of the increase. The Insured will then have two disability policies in force with the carrier. OR 2. Complete an application for the total amount of Monthly Disability Benefit, including the increase desired. Indicate on the application that the new Policy will replace an in-force Policy. Return the in-force Policy to the carrier with the application and make arrangements for any needed medical requirements. 

Decreasing Coverage
"Generally", to decrease the Monthly Benefit or increase the Elimination Period, a dated written request from the Insured indicating the change is required. When the request is approved, an endorsement showing the changes is sent to the policy owner for addition to the Policy.

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D
Definition of Total Disability
The best policy definition of total disability will state that you are unable to work at your regular occupation because of sickness or injury.

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E
EARNED INCOME  
Earned income is the gross income from the applicant’s occupation, including salary, wages, bonuses, fees and any other compensation received from all sources for work performed by the applicant. If the applicant is self-employed or owns any part of a business, earned income is the applicant’s share of income earned by the business, plus the salary or draw from the business, minus the applicant’s share of business expenses that are deductible for income tax.

Elimination Periods 
"Generally", the number of consecutive days that an Insured must be totally disabled before the Monthly Disability Benefit amount becomes payable. The Elimination Periods available are generally 30, 60, 90, 180,and 365 days.
 

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F
FELONY  
Disability due to committing or attempting to commit a felony.

FOREIGN NATIONALS
Policies are generally issued on U.S. citizens who permanently reside in the U.S. or on permanent resident aliens who have lived in the U.S. for at least three years and do not plan to return to their native country on a permanent basis. A photocopy of both sides of the applicant’s resident alien card must be submitted with an application on a permanent resident alien.


FOREIGN TRAVEL  

The policy will only pay up to 3 Monthly Benefits for any Total Disability sustained or continued outside the United States, Canada or Mexico. If the Insured remains totally disabled upon return to any of these countries, benefits will resume up to the Maximum Benefit Period, as long as the Insured is totally disabled.

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G
Government Retirement And Disability Fund Benefit,
includes disability compensation, including amounts for dependents, under any Federal, State, County, Municipal or other government subdivision retirement and disability fund for which the Insured may be eligible. Any payment resulting from retirement will be considered a Government Retirement and Disability Fund Benefit.

Guaranteed Insurability Rider  (GIR)
"Generally", available in all Classes to Standard risks. "Generally", issue ages 18-37 ; "Generally", issue amount minimum of 2 units; maximum of 5 units  The number of units of GIR must equal the number of hundreds of base policy Monthly Benefit, subject to the maximum of 5 units of GIR.  Enables coverage to be increased by a non-disabled Insured on Option Dates of ages 25, 28, 31, 34, 37, 40, regardless of occupation. Special Option Dates are provided for the Insured’s marriage date or the date a child is born to or adopted by the Insured or within three months after any of those Special Option Dates. A Special Option Date must occur before the Policy Anniversary nearest Insured’s 40th birthday. Use of a Special Option Date cancels the next option date. Each unit of GIR will purchase $100 of additional base policy Monthly Benefit on an option date. Combined total of all increases may not exceed 2 times the original base policy Monthly Benefit or $1,500, whichever is less. Increases are subject to Issue and Participation Limits.  An option generally cannot be exercised if the Insured is totally disabled or receiving total or Partial Disability Monthly Benefits. The policy and this rider must be in force when an option is taken. A new policy is issued for the additional coverage.

Guaranteed Renewable Only
The contract will continue to renew for as long as premiums continue are paid. However, although the policy provision can not be changed, the carrier does have the option to increase premiums by state, change occupation class, or change the policy form with notification to the policy owner.
 

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H
HOME MODIFICATION BENEFIT 
This is a no cost rider.  Available in all Classes to Standard and Substandard.  This rider will provide a one time, lifetime benefit of $1000 for the modification of the policyholder’s current existing residence due to the Insured’s present Total Disability. This rider is intended to assist with the improvement of access to or use of the facilities of the Insured's current residence.

Hospital 
"Generally", an institution which. is licensed as a Hospital (if required). is open at all times; provides medical care on an inpatient basis; has nursing services at all times; has diagnosis and major surgery facilities; and is not a clinic, nursing home, long-term care facility or similar institution. A Hospital can meet the major surgery requirement by arrangement with another Hospital.

Hospital Benefit  Rider 
"Generally",  available in all Classes. The Monthly Hospital Benefit will equal the base policy Monthly Benefit. Pays a Monthly Hospital Benefit for each month of confinement for up to 6 months for an Insured injury or sickness. Benefits begin on the first day of hospital confinement without regard to the Elimination Period of the base policy. If the Insured is in the hospital less than a month, payment will be 1/30th of the Monthly Hospital Benefit for each day the Insured is in the hospital.

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I
ILLEGAL OCCUPATION  
Disability due to engaging in an illegal occupation.


INCARCERATION 

Disability that starts while incarcerated in a penal institution or government detention facility.


INCOME VERIFICATION

Income verification will be required as part of the underwriting process:
A. If the applicant is not self-employed and the amount applied for exceeds $2,000 of monthly income, a copy of either: • the two most recent pay stubs, • a W-2 Form, or • a tax return is required. B. When the applicant is self-employed or a commissioned salesperson and the amount applied for exceeds $1,500 of monthly income, a copy of the most recent tax return, with all schedules and W-2 Forms, is required. C. When the applicant is self-employed or is a commissioned salesperson, and he or she is applying for the “To Age 65” Benefit Period, copies of two years’ tax returns, with all schedules and W-2 Forms, are required; an average of the two years will be used.

I
ssue Ages
"Generally", 18-55 .
1-, 2-, 5-year and To Age 65 Benefit Periods. (For limitations under Classes 2A and 1A.  1-, 2-, and 5-year Benefit Periods Available to Classes 4A and 3A 1- and 2-year Benefit Periods Available to Classes 2A and 1A

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M
MAXIMUM ISSUE AND PARTICIPATION LIMITS
The maximum issue and participation limits are those indicated below. Requests for higher limits may be made in Classes 4A and 3A, but are subject to availability of reinsurance. Class 4A .$7,000 Class 3A .$6,000 Class 2A .$5,000 Class 1A .$4,000  The participation limit includes all monthly disability income already in force with the carrier or any of its affiliates or with any other company under individual or group policies.

MEDICAL EXAM REQUIREMENTS
Non-medical limits and examination requirements are based on: 1. Nearest age of Proposed Insured. 2. Total Individual Monthly Benefits in-force and applied .

MENTAL, NERVOUS, DRUG, ALCOHOL  
Two year per lifetime limitation for disabilities related to mental, nervous, drug and alcohol disorders and conditions. Conditions included under the mental/nervous part of this limitation include any disorder classified in the Diagnostic and Statistical Manual of Mental Disorders published by the American Psychiatric Association. The carrier generally will pay normal policy benefits for mental, nervous, drug, and alcohol disorders or conditions as long as the Insured is confined in a hospital under a physician’s care.

Mode Premium Factors as Percentage of Annual Premium  
"Generally",
Semi-Annual 51.0% Quarterly 26.4% Monthly 8.8%

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N
Non-Cancelable Rider
"Generally", available in Classes 4A and 3A to Standard risks.  When the Non-Cancelable Rider is added to the 1-, 2-, and 5-year benefit periods, the Policy becomes renewable with guaranteed rates up to age 65. The Non-Cancelable rider is not available for the “To Age 65” Benefit Period.


If Non-Cancellable Language is added to the guaranteed renewable language, the carrier is prohibited from changing any of the policy provisions and  cannot increase the premiums. The best protection to the owner is offered when a disability insurance policy includes both non-cancellable and guaranteed renewable language.


Non-Tobacco
"Generally", if no tobacco in last 12 months.

NEW OCCUPATION OR BUSINESS
Newly self-employed persons just entering a profession, business, occupation, or becoming associated with a new business must have worked a minimum of one calendar year in their new field and filed a federal tax return for that year to obtain coverage.  If the newly self-employed person has less than a full year tax return, the applicant must provide income verification for the two years prior to self-employment. Average the two years then cut that figure in half.

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O
Occupational Classification GUIDELINES
Applicants must be employed on a full-time basis (at least 30 hours per week) at time of application. Applicants employed only in seasonal occupations are not eligible for coverage. Applicants engaged in more than one occupation, even on a part-time or seasonal basis, are to be classified according to the most hazardous occupation.

OCCUPATIONS GOVERNMENT EMPLOYEES
Federal, State, County, and City employees are considered in the carriers Occupational Schedule under appropriate classification for their job duties. This also includes Law Enforcement, Fire Fighters, and Postal Workers.

OTHER INCOME PROTECTION

Other sources of income protection need to be taken into consideration in order to avoid over-insurance. Other sources of income protection include group disability income, salary continuation, social insurance disability, retirement disability, and other individual disability income.  Unless being replaced, these in-force benefits must be subtracted from the maximum total amount of Monthly Benefit, subject to Issue and Participation Limits.

Own Occupation Rider 5-Year    
"Generally", available in Classes 4A and 3A and for the 5-Year and “To Age 65” Benefit Period.  Extends own occupation definition of the definition of Total Disability from 2 years to 5 years.
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P
Partial Disability 
"Generally", this provision pays 50% of the Monthly Base Policy Benefit amount for each month of a Partial Disability from an insured injury or sickness for up to 6 months, when the Partial Disability immediately follows a period of Total Disability during which Monthly Benefits were paid. The combined Total and Partial Disability benefits cannot extend beyond the Maximum Benefit Period. Partial Disability is a sickness or injury that keeps the Insured from being employed on a full-time basis.


PRE-EXISTING CONDITIONS   
A disability due to health conditions not disclosed on the application for which medical advice, treatment or medicine was received or symptoms existed before the effective date of coverage is not covered for the first
2 years after coverage is in force. (Definition may vary by state.) Benefits will be paid if the condition was disclosed and not misrepresented on the Insured’s application and is not excluded by a policy amendment rider.

PREGNANCY  
Disability due to normal pregnancy or childbirth. the carrier generally  will pay Disability Benefits for a disability caused by:
1. Involuntary complications of pregnancy OR 2. Pregnancy or childbirth, in which the period of disability extends beyond the later of 90 days or the Policy’s Elimination Period. NOTE: Complications of pregnancy include eclampsia, toxemia, hyperemesis gravidarum, anemia of pregnancy, placenta previa, ectopic pregnancy, puerperal infection, Caesarian Section delivery and miscarriage.

Premiums 
"Generally",  level; based on nearest age (age as of nearest birthday), Gender, Tobacco Use, Occupational Class, Elimination Period, Monthly Disability Benefit Amount, Benefit Period, and any Optional Benefits selected.

Presumptive Disability 
"Generally", a presumptive disability provision is included that presumes Total Disability if the Insured suffers total loss of speech, hearing, or sight, severance and loss of both feet, severance and loss of both hands, or severance and loss of one hand and one foot. The Elimination Period is waived and the full Monthly Benefits will be paid for the Maximum Benefit Period, whether or not the Insured is able to work.


Product Type

"Generally"
, individual guaranteed renewable disability policy with a traditional definition of disability.

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R
Railroad Retirement Disability Fund Benefit
includes primary or family disability benefits under the Railroad Retirement Act as amended from time to time. Any payment resulting from the Retirement option will be considered as Railroad Retirement Disability Income. Benefits under (SDIR) start after the Elimination Period has been satisfied and payments will be made only while the Monthly Benefit is being paid under the Base Policy for Total Disability.  A lump sum payment of Social Insurance Benefits will be treated as if it was received over several months. The lump sum will be divided by the Supplemental Disability Income Benefit and the result will be the number of months the benefit is not paid. Any remainder reduces the next payable month’s benefit. The carrier will
"generally", not seek a refund of benefits paid before the lump sum was received.

RATE INCREASES
"Generally", premiums may only be raised on a class basis with each state’s approval.

Recurrent Disability
 
"Generally",  a second disability is considered a continuation of a previous disability unless it is due to an unrelated sickness or injury, or the Insured has returned to work full-time for at least 12 months.


Rehabilitation Benefits  
"Generally",
if the Insured is totally disabled and receiving Monthly Benefits, the carrier will generally, consider helping to pay the costs of a rehabilitation program. The carrier will determine the amount paid, but it will generally not exceed the total of 6 Monthly Benefits. If the Insured’s physician advises that the Insured would likely return to work with a rehabilitation program, it will be required. Monthly Benefits will not be paid if the Insured does not take part. If the carrier requires such a program, the Insured may be paid more than the “6 times the Monthly Benefit” limit. (Required participation in rehabilitation program may vary by state.)

Renewability 
"Generally", guaranteed renewable to age 65. Until the Policy Anniversary after the Insured’s 65th birthday, as long as the premiums are paid, the policy cannot be canceled. However, the premium rates can be changed with state approval.  If the Insured is employed on a full-time basis on each renewal date after age 65, the policy can be renewed up to age 70. The benefit period is limited to one year.

REINSTATEMENT OF A LAPSED POLICY
Generally, if a disability income policy lapses for nonpayment of a renewal premium, reinstatement can be applied for within 12 months after the date of lapse. In order to reinstate, the following items are required: a completed reinstatement application, a signed medical authorization, and one renewal premium. If the application is approved, the effective date of reinstatement is the date of approval.
 
REPLACEMENT GUIDELINES
If existing disability income coverage is to be replaced, the following states require that a replacement form be completed and submitted with the application: Arkansas Oklahoma Colorado Pennsylvania Connecticut Rhode Island Delaware South Carolina Florida Texas Idaho Utah Illinois Vermont Iowa Virginia Kentucky Washington Massachusetts West Virginia New Jersey Wisconsin

Residual Benefit Rider  
"Generally", available in Classes 2A, 3A, and 4A to Standard risks for all Benefit Periods  This rider will provide a Monthly Benefit for Residual Disability, subject to a qualification period. Payment of the benefit is subject to the Maximum Benefit Period shown on the Policy Schedule, less any period during which Total Disability Benefits were payable, not to exceed five years. The same Elimination Period as the Policy and the supplemental disability income rider apply to this rider. This rider provides a Monthly Benefit payment, which is equal to the percentage of income loss caused by a Residual Disability. The minimum percentage of income loss needed to qualify for the Residual Disability Benefit is 25% of prior earnings. Residual Disability Benefits are not payable when a Total Disability Monthly Benefit is payable. In no event will the Residual Disability Benefit be greater than the Total Disability Benefit. the carrier may require any evidence needed to determine prior earnings and current earnings prior to and during a period of Residual Disability. From time to time, the carrier may require certified audits to verify such evidence.

RETURN OF PREMIUM RIDER 
"Generally", available in all Classes to Standard and Substandard.  Issue ages .18-55  This rider will provide a return of premium paid for the policy and all riders to the Insured, minus any claims paid. The amount of premium returned will be based on a scale determined by the issue age of the policyholder and the amount of time the policy was in force. There is no refund available until the policy has been in force for three full Policy years.  For applicants age 18 through 44 years at the time of issue, the minimum return percentage is five after three complete years, continuing on a defined schedule up to 100 percent after 25 years or more. For applicants age 45 through 55 years of age, the minimum return percentage is five percent after three full years, continuing on a defined schedule up to 50 percent after ten years.  All return premium amounts will be calculated as all premium paid, multiplied by the total percentage shown in the schedule, less the total of all benefits paid, including all premiums waived under the waiver of premium provision.

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S
SELF-EMPLOYED APPLICANTS WITH MINIMAL NET INCOME
Many self-employed individuals capitalize on depreciation and expenses to report little or no income for income tax purposes.  However, these individuals may be eligible for a small disability income policy if:
A. Self-employed in the same business for two years. B. Self-employed on a full-time basis. C. Under age 50 at the time of the application. D. Not showing a business loss on the most recent tax return. The Carrier will generally consider up to $600 ($300 base policy, $300 SDIR) of Monthly Income with a 1-, 2-, or 5-year Benefit Period for these applicants. The Elimination Period must be at least 60 days and no other benefits or riders are available.

SELF-INFLICTED 
Disability due to an intentional, self-inflicted injury or sickness.

Social Security Disability Benefits
includes primary or family disability benefits for which the Insured may become eligible under the U.S. Social Security Act, as amended from time to time, or a similar law of any other country. Any payment under Social Security Retirement provisions will be considered as a Social Security Disability Benefit.


Supplemental Disability Income Rider
(S.D.I.R.)
"Generally", This rider coordinates with Social Insurance Program Benefits and offsets this rider’s benefits dollar for dollar. Social Insurance Benefits include the following:

A. SOCIAL SECURITY DISABILITY BENEFITS
includes primary or family disability benefits for which the Insured may become eligible under the U.S. Social Security Act, as amended from time to time, or a similar law of any other country. Any payment under Social Security Retirement provisions will be considered as a Social Security Disability Benefit.

B. WORKER’S COMPENSATION
includes compensation benefits under any Worker’s Compensation Act or Law or Occupational Disease Law, for which the Insured may become eligible. It also includes insurance that provides benefits under any such Law . in any of the States or Territories of the United States, or similar act or law of any other country.

C. GOVERNMENT RETIREMENT AND DISABILITY FUND BENEFIT  
includes disability compensation, including amounts for dependents, under any Federal, State, County, Municipal or other government subdivision retirement and disability fund for which the Insured may be eligible. Any payment resulting from retirement will be considered a Government Retirement and Disability Fund Benefit.

D. RAILROAD RETIREMENT DISABILITY FUND BENEFIT
includes primary or family disability benefits under the Railroad Retirement Act as amended from time to time. Any payment resulting from the Retirement option will be considered as Railroad Retirement Disability Income. Benefits under (SDIR) start after the Elimination Period has been satisfied and payments will be made only while the Monthly Benefit is being paid under the Base Policy for Total Disability.  A lump sum payment of Social Insurance Benefits will be treated as if it was received over several months. The lump sum will be divided by the Supplemental Disability Income Benefit and the result will be the number of months the benefit is not paid. Any remainder reduces the next payable month’s benefit. The carrier will
"generally", not seek a refund of benefits paid before the lump sum was received.

Survivor Benefits 
"Generally", a survivor benefit is available at no additional cost, paying a lump sum benefit to a named Beneficiary in the event the Insured has been receiving disability benefits for 12 months and then dies. The lump sum death benefit is 6 times the Monthly Benefit. If no Beneficiary is named, the survivor benefit will be paid to the Insured's estate.

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T
TABLE RATINGS
"Generally, Special Class premiums are determined based on the following
table ratings:
A = 25% increase B = 50% increase C = 75% increase D = 100% increase

Total Disability
 
"Generally", during the first 24 months after the Elimination Period, benefits are paid to the Insured if he/she is unable, because of sickness or injury, to perform the important substantial and material duties of his/her own occupation and requires a physician’s care. After benefits have been paid for 24 months, benefits are paid to the Insured if he/she is unable to perform the substantial and material duties of any occupation for which he/she is fitted by education, training, and experience, requires a physician’s care and the Insured is not engaged in any job for wage or profit.

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U
Underwriting 
Traditional approach; Underwriting will order medical records if
needed. See Medical Exam Requirements on page 20. Coverage may be offered with a policy amendment rider, Special Class premium, longer Elimination Period, shorter Benefit Period, condition exclusion, or a combination of any of these.

UNDERWRITING CLASSES

CLASS 4A
Includes professional or office-type occupations that are rarely exposed to physical or occupational hazards. Examples include: Accountant Librarian Architect Pharmacist Biologist Real Estate Agent Computer Consultant Secretary

CLASS 3A
Includes occupations similar to Class 4A but with certain activities or hazards involving laboratory, technical, supervisory, and service work. Examples include: Clergy RN/LPN Horticulturist Sales Clerk Lab Technician Speech Therapist Locksmith Surveyor

CLASS 2A
Includes skilled and manual occupations in lighter industries, along with most machine operators. Examples include: Auto Mechanic Electrician Beautician Farmer Bricklayer Plumber Carpenter Tailor

CLASS 1A
Includes occupations involving heavy manual labor or unskilled workers where there is increased risk of accident. Examples include: Auto Body Repair Painter Crane Operator Pottery Maker Custodian Roofer Furniture Mover Used Car Dealership

Not Eligible
Includes occupations not eligible for coverage due to exposure to serious accident or occupational hazards. Examples include: Air Traffic Controller Entertainer Armed Forces Pilot Author Self-employed Artist Bartender Student

UNEARNED INCOME
Any kind of unearned income, such as rental property or interest income, that continues even if the Insured is totally disabled, does not qualify as earned income. Pension or retirement benefits would also be considered as unearned income. If unearned income is greater than 15% of earned income, the total Monthly Base Policy Benefit available at issue is reduced by one half of the monthly unearned income.

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W
Waiver Of Premium
"Generally", premiums are waived following 90 days of Total Disability, or following the Elimination Period, if longer. Any premium paid that was paid during that period will be refunded. Waiver stops when Total Disability stops or at the end of the Maximum Benefit Period, whichever is first.

War
 
Disability due to war or act of war, whether or not declared are generally not covered.

Workers Compensation

includes compensation benefits under any Worker’s Compensation Act or Law or Occupational Disease Law, for which the Insured may become eligible. It also includes insurance that provides benefits under any such Law . in any of the States or Territories of the United States, or similar act or law of any other country.

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Related Topics                

               
  Types of Disability insurance coverage   
                
  Renewability  Provisions  
               
  Benefits       
                
  Definition of Total Disability   
                
  Optional Benefits
                  Residual Disability Benefits   
                
  Other Policy Benefits   
                  Terms
                  Occupation Definitions   
                
  Occupation Class Look Up 

Lewis Fink is licensed as insurance agents offering these benefits in the following states: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.

Not all insurance products from all insurance companies are available in all states.

Note:  We do not provide legal or tax advice. The general information presented on various tax aspects contained in this site are not intended to be relied upon as tax advice. Individuals should seek the advice of a qualified tax professional regarding the taxation of these benefits as they apply to your particular situation.  These benefits are offered in all states except: AK, HI, & WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC 


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